you can save. you would be amazed. $20 a week turns into, after 40 years, about $154,000, with a little bit of earnings on it. >> heather: you mentioned drinking water instead of alcohol, which is the next tip, stay healthy. >> i have to admit, i am a hypocrite here. what i am going to be telling people is do as i say, not as i do. have you to eat right. i mean, come on, we know, cut out the fat, eat the veggies, have the fruit and the grains, you know? as we get into the new year, we can try again to do a better job this year. but also, move more. i know we always say, check with your doctor first. move more, if you can walk to the post office, a free public library, getting out the free book or dvd, you can find that $20 a week. at the same time, you can be getting yourself healthy. >> heather: we can all do that. third, invest in your career. >> absolutely.